est. 2025 v1.0
On-Chain Credit Protocol

Credit, intelligently deployed.

A permissioned credit marketplace connecting yield-seeking backers with vetted early-stage founders — governed by AI, settled on Aave.

Request access See how it works ↓
15–18%
Founder APR
variable, risk-adjusted
Aave+
Backer Yield
native yield + protocol cut
80/20
Tranche model
with reserve escrow
AI
Risk auditing
every draw, every release
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The Protocol

A bank on a blockchain.

01

Backers deposit

Backers supply USDC or EURC into the Aave V4 Hub — earning native Aave yield immediately. They then delegate their borrowing power to dNewFin's pool.

● Aave yield accrues automatically
02

dNewFin underwrites

Protocol evaluates founders, opens credit facilities, and deploys capital in AI-gated tranches. Each draw requires a signed attestation from the AI auditor.

◆ The man in the middle
03

Founders draw

Approved founders draw credit in tranches. 80% arrives immediately. 20% is held in escrow — released after AI confirms healthy metrics or on full repayment.

Interest: 15–18% APR
The Reserve Model

80% now. 20% later.

Every tranche is split at draw time. The 20% reserve sits in Aave earning yield — for both the protocol and the founder — until repayment is complete or AI metrics clear an early release. It's your buffer, not a penalty.

Delivered to founder 80%
Reserve escrow (Aave) 20%

Reserve earns Aave APY while locked. Released on full repayment or AI-approved early release.

For Backers

Your capital.
Two yield streams.

Supply USDC or EURC to earn Aave's native yield automatically. Then delegate your borrowing power to the pool — and earn a share of the interest founders pay on every credit facility.

●
Aave yield
Automatic, always-on. You hold aTokens.
◆
Protocol interest
Your share of 15–18% founder APR.
◇
Capital protected
20% reserve escrow backs each facility.
○
SBT receipts
Live AI metrics on every facility you back.
Backer SBT
#0042
NexaHealth
Series A · HealthTech · Facility #3
AI Score
74/100
Status
Active
Revenue ↑
+12% MoM
Repayment
100%
Your yield earned
$468.75
Non-transferable
Soulbound

Live AI metrics · ERC-5484 · Dynamic metadata

For Founders

Capital without dilution.

Structured credit facilities for early-stage companies. Keep your equity. Draw what you need, when you need it.

Approval

Apply for a facility. Our team reviews your metrics, revenue trajectory, and use of funds. Approved founders are whitelisted on-chain.

First tranche

AI auditor evaluates your latest metrics and signs a draw attestation. 80% arrives in your wallet. 20% is held in escrow on Aave.

Ongoing draws

Each subsequent tranche requires fresh AI sign-off. Metrics, spend compliance, and growth signals are evaluated before every release.

Reserve release

Once AI confirms healthy metrics and repayments are current, the 20% reserve is released — or wait until full repayment.

Seed
15.0%
APR · Simple interest
Facility: $25k – $100k
Max term: 6 months
Most common
Early growth
16.5%
APR · Simple interest
Facility: $100k – $250k
Max term: 12 months
Scale
18.0%
APR · Simple interest
Facility: $250k – $500k
Max term: 18 months
Early Access

Join the
first cohort.

dNewFin is in private access. We're selecting a first cohort of backers and founders to shape the protocol before public launch.

Backers
Earn Aave yield + protocol interest. Capital stays in Aave under your control. You delegate, not deposit.
Founders
Structured credit line. AI-gated tranches. No equity. No lump-sum risk. Apply for up to $500k.
Built on
Aave V4 ERC-5484 EIP-712 Solidity 0.8
Request early access
Takes 60 seconds. No commitments.

No spam. No tokens. Just early access.